unsustainable model for this country. as your previous guest was most americansw, had insurance policies like what buying, buying what they needed. and when you add -- i was saying.what they were when you add the bells and whistles, those really aren't more -- insurance means to cover you for something that you don't expect to have happen to you and then to pay for it. bellsen you pay for the and whistles, you're what becomes prepaid health coverage which is no longer insurance. an unsustainable model. >> how is it unsustainable? if you have enough people in the pool, enough people sign up -- that's a big if. >> right. assuming they can. assuming they want to. >> obviously a problem. they all sign up, why shouldn't they be able to work? you have enough healthy people your pool. it should be sustainable. >> two roads to go on. one the point i made before, you 61%, 2/3 of america being subsidized by somebody your neighbor pay four yours. you're talking about the large numbers of insurance. works if everybody is in. and stud